2003 Bentley Continental Car Insurance Cost

Searching for low-cost insurance for a Bentley Continental can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the quickest way to compare rates for a Bentley and get the best price possible.

Finding more affordable coverage is quite easy. If you have a current car insurance policy or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Drivers only need an understanding of how to buy car insurance online.

How to compare car insurance rate quotes

Many insurance companies allow consumers to get pricing directly from their websites. The process can be done by anyone as all you need to do is type in your coverage information as detailed in the form. After you complete the form, their system requests information on your driving record and credit history and generates pricing information based on many factors.

Quoting online streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms is a big time waster. But it’s very important to do this in order to get better car insurance pricing.

Online rates the easy way

An easier way to lower your car insurance bill requires only one form that gets price quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes comparison shopping much easier. As soon as you send your information, it is quoted and you can choose any of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

To compare rates using this form now, click here and submit your coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. This makes sure you are getting comparison quotes based on similar coverages.

Can switching companies really save?

Consumers constantly see and hear ads that claim the cheapest premium rates from the likes of State Farm and Allstate. They all seem to make the point of big savings if you change to them.

How is it plausible that every one can offer drivers better rates?

Auto insurance companies have a certain “appetite” for the driver that earns them a profit. An example of this type of driver may be over the age of 45, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches that profile will qualify for the lowest prices and therefore will save if they switch.

Consumers who are not a match for this ideal profile will be quoted higher rates with the end result being the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make the claims of big savings.

Each company has different criteria, so you really should compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Informed consumers can cut insurance costs

A large part of saving on car insurance is knowing some of the elements that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in cheaper rates.

The list below includes some of the most common factors companies use to determine your rate level.

  • Better credit means lower costs – An insured’s credit rating factor in your rate calculation. Drivers with excellent credit tend to be less risk to insure than drivers with lower credit scores. So if your credit history leaves room for improvement, you could save money insuring your 2003 Bentley Continental if you clean up your credit.
  • How your age affects prices – Youthful drivers are statistically proven to be inattentive in a vehicle so car insurance rates are higher. Older drivers have been proven to be more responsible, tend to cause fewer accidents .
  • Rates may be higher where you live – Being located in smaller towns and rural areas of the country can save you money when it comes to car insurance. Drivers who live in large cities tend to have more road rage incidents and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.
  • Employer and insurance premiums – Did you know your career choice can influence rates? Jobs like military personnelairline pilots and financial analysts are shown to have the highest average rates because of high stress and incredibly demanding work hours. Conversely, occupations like farmers, historians and homemakers pay lower than average rates for Continental coverage.
  • Men drivers tend to cost more – The statistics show that females take fewer risks when driving. Now that doesn’t mean women are BETTER drivers than men. They both cause auto accidents in similar numbers, but the males cause more damage. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage so it costs more to insure them.

Take policy discounts and save

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked about prior to getting the savings.

  • Policy Bundle Discount – If you have multiple policies with one insurance company you could get a discount of nearly 15% which can help you find inexpensive insurance.
  • Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more for Continental coverage than drivers with accidents.
  • Low Mileage Discounts – Driving less could be rewarded with substantially lower rates.
  • Onboard Data Collection – Drivers who elect to allow data collection to monitor their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in high school.
  • Distant Student Discount – Kids who live away from home to go to college and do not have a car may be able to be covered for less.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle on a single policy qualifies for this discount.
  • Clubs and Organizations – Being in a professional or civic organization is a good way to get lower rates on your bill.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

To choose insurance companies with discount rates, click here.

Which policy gives me the best coverage?

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Can I make deliveries for my home business?
  • What is high-risk coverage and where do I buy it?
  • I have a DUI can I still get coverage?
  • How can I force my company to pay a claim?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for doctor visits, dental work, hospital visits, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Bentley Continental.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from flooding and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like medical expenses, bail bonds and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, crashing into a ditch, scraping a guard rail, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Affordable insurance is out there

People change insurance companies for any number of reasons including high prices, an unsatisfactory settlement offer, not issuing a premium refund and extreme rates for teen drivers. No matter why you want to switch, switching companies can be easy and end up saving you some money.

You just learned some good ideas how to compare 2003 Bentley Continental insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive insurance. Drivers may discover the best price on insurance is with some of the lesser-known companies.

Affordable 2003 Bentley Continental insurance is attainable on the web and from local insurance agents, and you should be comparing both to have the best rate selection. Some companies may not provide rate quotes online and most of the time these regional carriers sell through independent agencies.

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